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Privacy Policy

paintedhorseloan.net ("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.

HOW THIS POLICY APPLIES

This Policy has two parts so you can clearly see which rules apply to which data uses:

  • Part A — GLBA/FCRA ("GLBA Track") — Applies to nonpublic personal information (NPI) collected in connection with your loan offer request, and to any credit information we obtain with your written instructions to evaluate you for alternative financial solutions.
  • Part B — State Privacy Laws ("State Track") — Applies only to NPI processed on this site that is not subject to GLBA/FCRA — for example, site telemetry, or advertising/analytics outside of the GLBA context.

PART A — GLBA/FCRA PRIVACY NOTICE

WHAT DO WE DO WITH YOUR PERSONAL INFORMATION?

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.

What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Identifiers and contact information (e.g., name, email, phone numbers, address).
  • Application/request information (e.g., date of birth, military and employment status, employer and job title, income and pay details, requested amount and purpose).
  • Sensitive identifiers (e.g., Social Security number; driver's license number and issuing state).
  • Financial account information (e.g., bank name, routing and account number, account type).
  • Transaction and experience information related to your request and interactions with us.
  • Credit information (e.g., results of a soft inquiry obtained with your written instructions).
  • Technical and security data used to protect and process your request.

SHARING YOUR PERSONAL INFORMATION

Reasons We Can ShareDo We Share?Can You Limit?
For our everyday business purposes — to process your request, verify identity, prevent fraudYesNo
For our everyday business purposes — information about creditworthinessYesNo
For our marketing purposes — to market our own websites and Services to youYesNo
For joint marketing with other financial companiesNoWe don't share
For our affiliates' everyday business purposesNoWe don't share
For nonaffiliates to market to youYesYes

To Limit Our Sharing

Email [email protected] with subject "GLBA opt-out" and include your name, email, and phone number used on your request.

WHO WE ARE

This notice is provided by paintedhorseloan.net, the entity responsible for collecting and processing your personal information as you interact with our platform.

HOW WE PROTECT YOUR INFORMATION

We employ industry-standard security measures, including:

  • Secure transmission of credit data (GLBA Safeguards / encryption).
  • Firewalls and secure data storage.
  • Restricted access to sensitive information.
  • Multi-factor authentication.
  • Regular security assessments.
  • Breach response plans.
  • Controlled data sharing with strict security and confidentiality obligations.

However, no method of transmission over the Internet is 100% secure.

HOW DO WE COLLECT YOUR PERSONAL INFORMATION?

We collect your personal information when you:

  • Submit an inquiry on our platform or on our affiliates' websites.
  • Interact with our website, including browsing, filling out forms, answering surveys.
  • Communicate with us.

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies as permitted.

PART B — STATE PRIVACY NOTICE

NOTICE AT COLLECTION

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).

YOUR RIGHTS

RightDescription
Right to Know / AccessYou have the right to request that we disclose the categories and specific pieces of personal information we have collected about you.
Right to DeleteYou can request that we delete personal information we have collected from you.
Right to CorrectYou have the right to request that we correct any inaccurate personal information.
Right to Data PortabilityYou have the right to obtain and reuse your personal information in a structured, commonly used format.
Right to Opt-Out of Sale/SharingYou may opt out of the sale or sharing of your personal information.
Right to Limit Use of Sensitive PIYou may request that we limit the use or disclosure of your sensitive personal information.
Right to Non-DiscriminationYou have the right not to be discriminated against for exercising your privacy rights.
Right to AppealIf we deny your request, you can appeal the decision.

HOW TO EXERCISE YOUR RIGHTS

To request access, correction, or deletion of your personal information, please email us at [email protected] and include your name.

CHILDREN'S PRIVACY

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.

COOKIES AND TRACKING TECHNOLOGIES

We use cookies and similar tracking technologies for lawful purposes, including to track lead generation activities, remember your choices and preferences, improve your user experience, and analyze traffic to our Site.

CONTACT US

For questions or concerns about our Privacy Policy, please contact us at [email protected].

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