Learn how we collect, use, and protect your personal information.
redwaterlending.org ("we," "our," "us") provides this Privacy Policy to describe how we collect, use, disclose, and protect Personal Information when you visit our website. We encourage you to read this Privacy Policy and to use it to help you make informed decisions. We revise this Privacy Policy from time to time to reflect changes to our business, Services, or applicable laws. If a revised version requires notice in accordance with applicable law, we will provide advance notice by posting on this page; otherwise, the revised Privacy Policy will be effective as of the published effective date.
This Policy has two parts so you can clearly see which rules apply to which data uses:
If information you submit relates to a financial-product request, GLBA controls even if the same identifiers also appear in other contexts.
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons we choose to share; and whether you can limit this sharing.
| Reasons We Can Share Your Personal Information | Do We Share? | Can You Limit Sharing? |
|---|---|---|
| For our everyday business purposes — to process your request, verify identity, prevent fraud, evaluate eligibility, and route/transmit your information to participating Lenders/Networks or Third-party Marketers | Yes | No |
| For our everyday business purposes — information about your creditworthiness | Yes | No |
| For our marketing purposes — to market our own websites and Services to you | Yes | No |
| For joint marketing with other financial companies | No | We don't share |
| For our affiliates' everyday business purposes — information about transactions and experiences | No | We don't share |
| For our affiliates' everyday business purposes — information about your creditworthiness | No | We don't share |
| For our affiliates to market to you | No | We don't share |
| For nonaffiliates to market to you | Yes | Yes* |
*Clarification about exception: When Lenders/Networks contact you about the credit you asked us to match you for, that disclosure occurs to effect, administer, or enforce your requested transaction and/or at your direction. It is not a "nonaffiliate marketing" share.
We disclose your information to Lenders/Networks and Third-party Marketers at your direction (consent), so they can contact you about their products. We retain records of your direction.
Email [email protected] with subject "GLBA opt-out" and include your name, email, and phone number used on your request.
What this does: Your choice limits our sharing of your nonpublic personal information with non-affiliated third parties so they can market their own products to you.
What it doesn't limit: This choice does not limit disclosures needed to evaluate, effect, administer, or enforce your current request (including lender "ping" eligibility checks), disclosures to our service providers/contractors acting on our behalf.
Duration & scope: Your choice remains in effect until you tell us otherwise. We will apply it as soon as reasonably practicable.
We share Sensitive Personal Information only with our Marketing Partners when necessary to assist you in finding a loan, when required by law, or with your explicit consent.
This notice is provided by redwaterlending.org, the entity responsible for collecting and processing your personal information as you interact with our platform.
We employ industry-standard security measures, including:
However, no method of transmission over the Internet is 100% secure.
We collect your personal information when you:
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies as permitted. Under applicable laws you can't limit sharing personal information for business purposes, such as but not limited to: processing your request to connect you with a lender, preventing fraud, etc.
We do not sell or share personal information collected on this loan offer inquiry page for cross-context behavioral advertising, and we do not use targeted advertising on this page.
When we process information in connection with a financial product or service, it is governed by GLBA/FCRA. Accordingly, state-law rights (e.g., "Do Not Sell/Share," limit Sensitive PI, GPC/UOOM) do not apply to these processings.
Scope. This Notice at Collection summarizes what personal information we collect at or before the point of collection, the purposes for which we use it, how long we retain it, and whether we sell or share it (as those terms are defined by applicable U.S. state privacy laws).
Categories & Purposes. We collect the categories of personal information listed in the table below and use them for purposes including — providing services and processing requests, matching you with personal-finance-related service providers, security, identification, communication, and compliance with law.
Selling/Sharing. We sell certain personal information (for example, lead information) to our Marketing Partners so they can contact you about their products or services. You can exercise your right to opt out of sale/sharing at any time. We do not sell or share Personal Information for cross-context behavioral advertising.
Use/Disclosure of Sensitive Personal Information. We use or disclose Sensitive PI (e.g., SSN, driver's license) only as necessary to provide requested services, verify identity, ensure security, and comply with law.
Retention. We retain personal information only as long as needed for the purposes described above or as required by law.
| Category | Examples | Sources | Purpose |
|---|---|---|---|
| Identifiers | Phone, email | From you on this site | Identification, to contact about offers from Marketing Partners, Communication |
| Internet / Network Activity | Cookies/pixels/SDKs, pages viewed, referrers/UTM, approximate IP-based location | Automatically via our systems | To create, manage, and optimize advertising audiences |
| Communications & Consent Records | TCPA/email consents, "Do Not Sell/Share", unsubscribe logs | Explicit form submit | To comply with applicable laws |
Personal information excludes publicly available data and data that has been de-identified or aggregated so it can't reasonably identify you.
We do not engage in tracking individuals across third-party websites or online services, so our Site does not respond to "Do Not Track" browser settings or signals.
| Right | Description |
|---|---|
| Right to Know / Access | You have the right to request that we disclose the categories and specific pieces of personal information we have collected about you. |
| Right to Delete | You can request that we delete personal information we have collected from you. |
| Right to Correct | You have the right to request that we correct any inaccurate personal information we maintain about you. |
| Right to Data Portability | You have the right to obtain and reuse your personal information in a structured, commonly used, and machine-readable format. |
| Right to Opt-Out of Sale/Sharing | You may opt out of the sale or sharing of your personal information. |
| Right to Non-Discrimination | You have the right not to be discriminated against for exercising your privacy rights. |
| Right to Appeal | If we deny your request, you can appeal the decision. |
To request access, correction, or deletion of your personal information; or to limit use of sensitive PI, please email us at [email protected] and include your name.
To appeal our denial of your request, email us with the subject line: "Appeal of Privacy Rights Request."
Our services are not intended for children under the age of 18. We do not knowingly collect, use, sell, or share the personal information of individuals under 16 years of age. If we learn that we have inadvertently collected personal information from a person under 16, we will delete that information as quickly as possible.
We retain personal information only as long as necessary to fulfill the purposes outlined in this policy, or as required by law. Retention periods vary depending on the type of data and our legal or operational obligations.
We use cookies and similar tracking technologies ("Cookies") for lawful purposes, including to track lead generation activities, remember your choices and preferences, improve your user experience, and analyze traffic to our Site. Certain Cookies are also used for security, fraud prevention, and to help us measure the effectiveness of our marketing.
Cookies are small text files stored on your browser or device by websites you visit. Some Cookies are set by us (first-party Cookies) and others by third parties (third-party Cookies).
Most browsers allow you to block, delete Cookies, and alert you when Cookies are being set.
For questions or concerns about our Privacy Policy and information practices, please contact us at [email protected].