The creditcache.com website is an online marketplace (Site) owned and operated by Credit Cache, LLP a Delaware corporation (Credit Cache, us, we, or our). The Site is for customers, consumers, users, third parties and visitors (you, your or yours) to find third party lenders and other providers that may be of interest to you. We respect your privacy and are committed to protecting your personal information. This Privacy Policy (Policy) sets out our data collection and disclosure practices in respect of the Site and the marketing and advertising services we provide to you (Services).

This Policy applies to the Services we provide, information collected through the Site, information obtained from publicly-available sources, information obtained from third parties (such as credit reporting agencies) and information obtained from our major online state-licensed lending partners, marketplace lenders, tribal lenders, and other non-lender parties who have partnered with us, such as marketing partners and third party finders and aggregators working on behalf of lenders (Partners).

You acknowledge and agree that by accessing our Site or using our Services, you are aged over 18 years of age, you agree to be bound by the Terms and this Policy, you provide your consent that all personal data you submit to us may be processed by us in the manner and for the purposes described in this Policy and you provide your consent that all information gathered from you by using the Services may be transferred, used and stored in the United States where our service providers are located. If you do not agree with the Terms or this Policy, please do not use our Site or our Services.

We do not authorize the use of our Site or Services by anyone under 18 years of age or the submission of Personal Information by anyone under 18 years of age. We do not intentionally or knowingly collect or use Personal Information of anyone under 18 years of age and any information inadvertently collected will be deleted immediately from our Site. Please see the Terms for further information.

When you access our Site or use our Services, submit content, or contact us, we may ask you to provide personal information, such as your name, date of birth, residential address, email address, phone number, social security number, employer name, driver’s license or state identification number and financial details (Personal Information). If you access the Site or use the Services, you acknowledge and agree we may collect, transfer, use and store your Personal Information in the United States, where our service providers are located.

As part of our Services we may also collect your Personal Information from the Partners we introduce you to and from national data bases, such as credit reporting agencies if we perform credit checks. We use your Personal Information to provide our Site and our Services to you, to enhance the operation of our Site and the Services we provide and to engage in marketing communications with you. You may choose not to provide your Personal Information to us, but this will prevent us from providing you with our Services.

Every time you access our Site or Services we also collect non-personal information, such as your internet protocol address, information about your operating system and browser, information from Google Analytics, the pages of our Site that you viewed and the city and state where you are located (Non-Personal Information). To assist us in collecting and storing Non-Personal Information, we may use cookies, flash cookies, local browser storage and web beacons. You can set your browser to refuse all website storage or you can erase information stored in cookies, flash cookies, and local browser storage at any time, but you may have to login to the Site again and some of our Services may not function.

We use your Personal Information to match you and introduce you to our Partners who may provide you with loan offers and information about their products and services. When you submit Personal Information to us and agree to our E-Consent you provide your express consent to: receive from us and from each Partner you have been matched with, including third party finder, lead aggregator companies and other businesses who market, provide or find loan products or services (Third-Party) with emails, text messages, SMSs, telephone calls (including through auto-dialed, pre-recorded message sales call in a manner permitted by the Electronic Signatures In Global and National Commerce Act or artificial voice) or other marketing communications to assist you with your transaction or with information about financial products or services they offer.

We use technologies to integrate our Services with third party sites, services and apps. By using our Services, you agree that we may share your Personal Information and Non-Personal Information with our Partners and any Third-Party. Credit Cache is not responsible for the practices of our Partners or any Third Party or for sites directing you to our Site and our Terms and this Policy do not apply to the services provided by our Partners or any Third-Party. Your communication, use, and interaction on any Partner or Third-Party website or service, including those that have a link or advertisement on our Site, are subject to that Partner or that Third-Party’s privacy policy and terms.

We may also use your Personal Information for research purposes, to improve the Services we provide to you, to respond to your questions or your feedback, to send you notifications, updates or information regarding changes to our Terms or Services.

We may use Non-Personal Information obtained through cookies in order to deliver interest-based advertising (Internet Ads) to you. We engage with service providers and third-party advertising networks to ensure Internet Ads are tailored specifically to your likes, based on general categories in which you have shown an interest. We may also use your non-Personal Information for research purposes, to improve the Services we provide to you and to display advertising, offers or products that are customized to your preferences.

We may disclose your Personal Information in order to provide our Services to you or in the event you authorize us to do so. Personal Information may to disclosed to:

• our Partners and any Third-Party if your details match or if you request further information about the products and services they offer;
• professional service providers we engage to provide advice, functions, services or support to our Site or our Services, including but not limited to: Site developers, cybersecurity, payment processors, hosting and data storage, marketing and advertising and analytics;
• credit reporting agencies (such as TransUnion, Experian or Equifax) to verify your identity, assess your eligibility for credit, determine your current debt-to-income ratio and to obtain a credit score;
• other third parties where disclosure is reasonably necessary to enforce or apply the terms and conditions of the Services, to comply with the law, in the event of a sale, merger or transfer of any assets of Credit Cache, to respond to government requests, to protect your rights, property or safety and to detect and prevent crime, fraud or technical issues.

We may also disclose Non-Personal Information to our Partners, clients, merchants, advertisers, investors, potential buyers and other third parties at our sole discretion.

We use industry standard security measures to safeguard your Personal Information from misuse, loss, interference and/or unauthorised access, use, disclosure, or alteration. We utilize secure socket layer encryption technology to transmit data over the internet and use firewalls to help prevent external access to our network. You acknowledge and agree that no data transmission over the internet and no method of data storage is 100% secure and there are security and privacy limitations to the internet which are beyond our control and the security, integrity and privacy of your Personal Information and any data exchanged between you and us through the Site is not guaranteed.

Please email us at support@creditcache.com if you have any questions about how we handle your Personal Information, or if wish to correct or delete your Personal Information. We reserve the right to decline your request if it jeopardizes the privacy of others, is unreasonable or would be extremely impractical. Please be aware that if you delete your Personal Information, you may not be able to use the Site or the Services.

You can opt out of receiving marketing emails or SMS messages from us and remove your contact details from our marketing database by clicking on the “unsubscribe” link in our emails or by responding “STOP” to the SMS text message you receive from us. Please note that it may take up to 5-10 business days for opt-out requests to be processed. You can opt out of receiving marketing-related communications from our Partners and any Third Party by contacting them directly or utilizing any opt-out mechanisms in their privacy policies or marketing-related emails. You can opt out of receiving Internet Ads within the ads themselves. You can also opt-out of receiving ads from third-party advertisers who are members of the Network Advertising Initiative (NAI) or who follow the Digital Advertising Alliance (DAA)’s Self-regulatory Principles for Online Behavioral Advertising by visiting the opt out pages on the NAI site and the DAA site.

We reserve the right to modify or update this Policy from time to time with or without notice to you. We will notify you of material changes to this Policy by placing a prominent notice on our Site, and by updating the information on this page. You acknowledge and agree that your continued use of the Site and/or Services after such change takes place constitutes your agreement to continue to be bound by this Policy.