Privacy Policy

Effective Date: December 1, 2024
Last Updated: December 1, 2024

CFNA Financing Apply ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website cfnafinancingapply.com and use our services.

1. Information We Collect

Personal Information You Provide

When you apply for financing, we collect:

• Identity Information: Full name, date of birth, Social Security Number, government-issued ID
• Contact Information: Email address, phone number, physical address
• Financial Information: Bank account details, income information, employment details
• Loan Details: Requested loan amount, purpose of loan, vehicle information

Information Collected Automatically

When you visit our website, we automatically collect:

• Device Information: IP address, browser type, operating system
• Usage Data: Pages visited, time spent, click patterns
• Cookies: See our Cookie Policy below

Information from Third Parties

We may receive information from:

• Credit bureaus (for soft credit checks)
• Identity verification services
• Employment verification services
• Banking verification services

2. How We Use Your Information

We use collected information to:

Process Your Loan Application

• Verify your identity and eligibility
• Assess creditworthiness and ability to repay
• Match you with appropriate lenders
• Facilitate loan approval and funding

Communicate With You

• Send application status updates
• Provide customer support
• Send important service notifications
• Respond to your inquiries

Improve Our Services

• Analyze website usage and performance
• Optimize user experience
• Develop new features and services
• Prevent fraud and abuse

Comply With Legal Obligations

• Meet regulatory requirements
• Respond to legal process
• Report to credit bureaus as required
• Maintain records as mandated by law

3. How We Share Your Information

With Lending Partners

We share your application information with lending partners in our network to facilitate loan approval. These lenders are carefully vetted and must comply with applicable privacy laws.

With Service Providers

We share information with third-party service providers who assist us with:

• Identity verification
• Credit reporting
• Payment processing
• Website hosting and maintenance
• Data analytics
• Customer support

For Legal Reasons

We may disclose information when required by law or to:

• Comply with legal process (subpoenas, court orders)
• Enforce our terms and agreements
• Protect our rights and property
• Investigate fraud or illegal activity
• Protect the safety of our users

Business Transfers

If we merge with or are acquired by another company, your information may be transferred as part of that transaction.

What We DON'T Do

4. Data Security

We implement industry-standard security measures to protect your information:

Technical Safeguards

• 256-bit SSL Encryption: All data transmitted to/from our site is encrypted
• Secure Servers: Data stored on protected, monitored servers
• Firewall Protection: Network-level security to prevent unauthorized access
• Regular Security Audits: Third-party testing of our security systems

Organizational Safeguards

• Limited employee access to personal data
• Background checks for employees with data access
• Regular security training for staff
• Confidentiality agreements with service providers

Your Responsibilities

• Use strong, unique passwords
• Never share login credentials
• Log out of shared devices
• Report suspicious activity immediately

5. Your Privacy Rights

Access Your Information

You have the right to request a copy of the personal information we hold about you.

Correct Your Information

You can request corrections to inaccurate or incomplete personal information.

Delete Your Information

You may request deletion of your personal information, subject to legal retention requirements.

Opt-Out of Marketing

You can opt-out of marketing communications at any time by:

• Clicking "unsubscribe" in marketing emails
• Contacting us at support@cfnafinancingapply.com

Note: You cannot opt-out of transactional emails related to your loan (approval notifications, payment reminders, etc.).

State-Specific Rights

California Residents (CCPA)

California residents have additional rights under the California Consumer Privacy Act:

• Right to know what personal information is collected
• Right to know if personal information is sold or disclosed
• Right to opt-out of sale of personal information
• Right to deletion
• Right to non-discrimination for exercising CCPA rights

Nevada Residents

Nevada residents may opt-out of the sale of personal information. We do not currently sell personal information as defined by Nevada law.

Virginia, Colorado, Connecticut, Utah Residents

Residents of these states have rights to access, correct, delete, and opt-out of targeted advertising and sales under their respective state privacy laws.

To Exercise Your Rights: Email support@cfnafinancingapply.com with your request. We may need to verify your identity before processing.

6. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience.

Types of Cookies We Use

• Essential Cookies: Required for website functionality
• Analytics Cookies: Help us understand how you use the site
• Marketing Cookies: Used to deliver relevant ads

Managing Cookies

You can control cookies through your browser settings. Note that disabling essential cookies may impact site functionality.

7. Children's Privacy

Our services are not intended for individuals under 18 years of age (19 in some states). We do not knowingly collect information from children. If we discover we've collected information from a child, we will delete it promptly.

8. Data Retention

We retain your information for as long as necessary to:

• Fulfill the purposes outlined in this policy
• Comply with legal obligations (typically 7 years for financial records)
• Resolve disputes and enforce agreements

After this period, we securely delete or anonymize your information.

9. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place to protect your information in accordance with this Privacy Policy.

10. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Changes will be posted on this page with an updated "Last Updated" date. Significant changes will be communicated via email or prominent website notice.

Continued use of our services after changes constitutes acceptance of the updated policy.

11. Contact Us About Privacy

For privacy-related questions, concerns, or to exercise your rights:

Response Time: We will respond to privacy requests within 45 days as required by law.

12. Additional Disclosures

Credit Reporting

If you receive a loan, your payment history may be reported to credit bureaus. This can affect your credit score positively (on-time payments) or negatively (late/missed payments).

Marketing Opt-In

By applying, you may receive marketing communications from us and our lending partners. You can opt-out at any time.

Consent to Electronic Communications

By providing your email and phone number, you consent to receive electronic communications including application updates, loan documents, and notices.

This Privacy Policy is part of our Terms & Conditions. By using our services, you agree to both documents.