Ensuring the accuracy, confidentiality, and security of your personal information is our utmost priority. Our Privacy Policy, available here and subject to periodic updates, delineates how we collect your personal information, both directly from you and about you, as you engage with our website, clearloans.us (“Website”), or utilize our services (“Services”). The policy further elucidates how we utilize this information and to whom we may disclose it. It is important to note that this Privacy Policy applies exclusively to data collected by us or on our behalf, sourced from the information you provide or from authorized and approved channels. It does not encompass data gathered through other websites, products, or services not endorsed by us.
Consent
By interacting with our Website or availing our Services in any capacity, you acknowledge your acceptance of the terms, procedures, and guidelines outlined in this Privacy Policy (including any updates thereof). Furthermore, you grant consent for us to collect, utilize, and share your information as detailed within this document. Should you disagree with our practices and policies, you retain the option to refrain from using our Website or Services. It is imperative to recognize that your usage of the Website and our Services is always subject to our Terms of Use (available here and subject to updates), which are hereby incorporated by reference. In instances where capitalized terms are used in this Privacy Policy without definitions, such terms carry the meanings ascribed to them in the Terms. Your consent extends to us and/or our service providers conducting a credit check on you based on the information you have provided.
Email Disclosure
If you request information from us, the email address you provide may be used to send you information about offers on products and services that we believe align with your interests. We may also link an email address with your telephone number through our own records or by utilizing third-party services and technologies, including cookies and pixels. If you have subscribed to our email list, requested regular information, or received offers by email, you have the option to unsubscribe at any time using the instructions provided in each email or on the sign-up page.
Privacy Policy for USA
We adhere to privacy regulations in each jurisdiction where we operate as part of our policy. Privacy legislation and individual privacy rights can vary from one country to another. This Privacy Policy specifically addresses activities governed by the privacy laws of the United States, as applicable.
It is essential to note that this Privacy Policy has specific boundaries and applicability. Consequently, the rights and responsibilities outlined herein may not be accessible to all individuals or applicable in all countries. If you are uncertain about the relevance or extent of this Privacy Policy to your situation, please reach out to us for further clarification (contact details provided below).
Individuals under the Age of 18
We are committed to not knowingly collecting, requesting, or retaining Personal Information from individuals under the age of 18, and we do not knowingly permit such individuals to register for our Services. If you are below 18 years of age, please refrain from providing any Personal Information, such as your name, address, phone number, or email address, to us. Should we become aware that we have inadvertently gathered Personal Information from a minor under the age of 18 without verified parental consent, we will make reasonable efforts to remove that information from our records. If you have any concerns regarding this matter, please reach out to us.
What Information Does This Privacy Policy Cover?
This Privacy Policy pertains to the handling of personal information. “Personal Information” refers to any unencrypted or non-deidentified information that can identify, relate to, describe, or be reasonably linked with an individual. This includes, but is not limited to, details such as your name, mailing address, email address, and telephone number. More specific information about the data we may gather is provided below.
For residents of California, “Personal Information” will have the meaning as defined by the California Consumer Privacy Act of 2018 (“CCPA”). Refer to the section titled “Notice to California Residents” for further details.
Personal Information excludes information that has been deidentified, pseudonymized, anonymized, aggregated, or otherwise processed in a manner that renders it unable to be associated with a specific individual without using additional information. This additional information is kept separate and securely to prevent unauthorized re-identification of an individual (collectively referred to as “De-Identified Personal Information”).
What Personal Information do we Collect?
We may collect and retain various categories of Personal Information pertaining to the individuals we engage with. The types of Personal Information we collect include the following:
| CATEGORY | EXAMPLES |
|---|---|
| Identifiers | Real name, alias, postal address, unique personal identifier, online identifier, internet protocol (IP”) address, email address, or other similar identifiers |
| Personal information described in the California Customer Records statute (Cal. Civil Code §1798.80(e)) | A name, or description, address, telephone number, or employment, employment history, or any other financial information. Note: Personal information included in this category (1) does not include publicly available information that is lawfully made available to the general public from federal, state, or local government records, and (2) may overlap with other categories |
| Protected classification characteristics under California or federal law | Age (40 years or older), veteran or military status |
| Internet or other electronic network activity information | Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement |
| Geolocation data | Physical location or movements |
| Audio, electronic, visual, thermal, olfactory, or similar information | Electronic recording of customer or prospective customer calls. |
| Inferences drawn from any other category of personal information | Deriving information, data, assumptions, or conclusions from facts, evidence, or another source of information or data to create a profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes |
Information You Provide Us
The Personal Information we collect via our Website, business partners, affiliates, or service providers may be obtained through the following means:
Data obtained in response to employment opportunities. Additionally, we may collect your Personal Information in relation to financial-related Services you seek from us. This includes suggesting financial or other products based on our experience and the information you provide, to improve the likelihood of acceptance.
We may also gather market-related data, including Personal Information, about market trends and activities influencing our operations. Such data could involve contract details, financial particulars, and other relevant information for market analysis and strategic planning. Additionally, we may amass information related to our media, investor, and public relations endeavors, as well
Privacy and Our Website
Welcome to our website! You can freely explore without revealing your identity or personal details, including your email address. However, during your visit, our web server may collect data about your interaction with the site. This data includes your IP address, browser type and version, the website you came from, pages visited, and your country based on your IP address. We use this information to monitor performance and improve our website continually.
We also collect personal information that you voluntarily provide, such as your name, address, and contact details. You can provide this information through our website’s “contact us” section or by communicating with us via email.
If you request information from us, we may use the email address you provide to send you relevant offers on products and services. You can unsubscribe from these emails at any time.
Our Website and Cookies
Automatic Data Collection Technologies
As you navigate our website, we use automatic data collection technologies to gather information about your device, browsing behavior, and usage patterns. This includes details about your visits, such as traffic data, geolocation, logs, and the resources you access.
We also collect information about your computer, mobile device, and internet connection, including your IP address, operating system, and browser type. This helps us optimize performance and personalize your experience.
We may use behavioral tracking to understand your online activities and preferences across different websites. This information is used to improve our website and tailor our offerings to your interests.
We may also track keystrokes and cursor movements to enhance user experience, but this information remains anonymous and is not linked to your identity unless you subscribe to our emails.
Cookie Notice/Policy
We use various technologies, including cookies, local storage cookies, web beacons, and pixel tracking, to collect information about your browsing behavior.
Cookies are small files stored on your device that contain data such as server names, unique identification numbers, and expiration dates. We use different types of cookies for essential functions, performance monitoring, and remembering your preferences.
Essential cookies are necessary for website functionality, while performance cookies help us analyze usage patterns and optimize performance. Functionality cookies remember your preferences to enhance your browsing experience.
We may also use third-party cookies for tracking and advertising purposes. These cookies collect information about your online activities to deliver personalized content and ads.
You can adjust your browser settings to refuse cookies, but this may affect your website experience. We also use other tracking technologies like web beacons, pixel tracking, and IP addresses to collect data about your interactions with our website.
Information We Collect from Third Parties
We may receive information about you from third parties, such as social media platforms or service providers. This information may include registration details or demographic information and is used to enhance our understanding of your preferences.
Third parties may also use cookies and tracking technologies to collect information about your browsing behavior for advertising purposes. You can customize your preferences through third-party settings or opt out of targeted advertising.
Why Do We Collect Personal Information?
We collect personal information to manage our relationship with you, provide requested products and services, and improve our offerings. This includes sending relevant updates, analyzing usage patterns, and complying with legal requirements.
Your information may also be used for marketing purposes and to tailor our interactions to your interests. We use cookies and tracking technologies to remember your preferences and provide personalized content and ads.
Overall, we collect and use personal information to enhance your browsing experience and deliver relevant content and offerings. Your privacy is important to us, and we are committed to transparent data practices.
How We Use and Disclose Your Personal Information:
We use your personal information for various purposes outlined in this Privacy Policy. This includes displaying our website and content, providing information about products or services, sending updates and notifications, managing your account, and improving our website’s functionality and user experience.
Your personal information may also be used for internal purposes such as website administration, analytics, and security. We may analyze usage patterns, diagnose technical issues, and personalize content based on your preferences.
Additionally, we may use your personal information to send you promotional materials, conduct surveys, or request feedback to enhance our products and services. We may also use automated processes to tailor our interactions with you based on your information and preferences.
We may disclose your personal information to third parties for the purposes outlined in this Privacy Policy. This includes service providers who assist us in managing our website, processing payments, and delivering products and services. We may also share your information with third-party advertisers to display relevant ads to you.
However, we do not disclose your personal information for advertising purposes without your consent. If you interact with an advertisement on our website, the advertiser may assume that you meet their targeted criteria based on your actions.
Your Choices and Opt-Out Options:
You have control over your personal information and can choose how it is used. You can opt out of receiving promotional emails or advertisements by following the instructions provided in each communication or adjusting your account settings.
You can also manage your cookie preferences and tracking settings through your browser or device settings. However, disabling cookies may impact your website experience and limit certain features and functionalities.
If you have any questions or concerns about your privacy or data usage, you can contact us for assistance. We are committed to protecting your privacy and will address any inquiries or requests promptly.
Overall, we value your privacy and strive to provide transparent and user-friendly data practices. By using our website and services, you consent to the collection, use, and disclosure of your personal information as described in this Privacy Policy.
Reasons for Collecting Personal Information:
Text Messages:
By providing your consent, you agree to receive informational and marketing communications from us and our service providers regarding mortgage services. These communications may include messages delivered by live agents, automated voices, or pre-recorded messages, sent via email or Short Message Service (SMS) text messages to the phone number you’ve provided. Please note that standard message and data rates may apply for SMS messages.
This consent remains valid even if your contact information is listed on a Do Not Call/Do Not Email List or similar registries. You are responsible for notifying us promptly if you stop using a specific phone number or email address previously provided. It’s important to understand that consenting to these communications is not a requirement for using our services, and you have the right to withdraw this consent at any time. To unsubscribe, you can send an email to unsubscribe@clearloans.us.
You also acknowledge that automated messages or artificial/pre-recorded voices may be used when you answer a call. Furthermore, you agree that we and/or our service providers may record and retain call recordings for quality assurance purposes or other lawful reasons, as permitted by applicable laws.
Our services may include SMS messages, with a maximum of five messages daily to your wireless device. These messages may include information about your account, purchases, website updates, surveys, or other service-related matters. You can opt out of these messages at any time by replying “STOP” to the received SMS message. Upon sending “STOP,” you will receive an SMS confirmation of your unsubscribed status, and you will no longer receive SMS messages from us. If you wish to resume receiving SMS messages, you can follow the initial signup process. For assistance, you can reply to a text with “HELP.” Message and data rates may apply based on your cell phone plan, and carriers are not responsible for delayed or undelivered messages. Alternatively, you can request to stop SMS messages by sending an email to us with your email address and phone number associated with your registration.
Social Media Plugins:
We integrate social media plugins from various platforms into our website, allowing you to register or sign in using your social media credentials. When you visit our website, these plugins establish a connection between your browser and the respective social network’s server, enabling the network to receive information about your visit, including your IP address.
If you interact with these plugins while logged into your social media account, such as clicking the “Like” button, the content may be associated with your profile. Please note that we do not receive information about how this data is used by the social network. If you prefer not to link your visit to our website with your social media account, we recommend logging out of your social media account.
By taking these actions, you grant us permission to access certain information from your social media account, subject to your privacy settings on the platform. This information may include your public profile, email address, interests, and other details. Plugins may automatically transmit information to the social network without requiring action on your part.
It’s important to review the privacy policies of the respective social networks for detailed information about their practices.
Disclosure of Personal Information:
We may share your personal information with employees, contractors, consultants, and other relevant parties who need it to support our relationship with you. This includes third parties who assist us in delivering services or managing our business operations.
For example, our third-party service providers may offer information technology, data processing, advertising/marketing, and call center services. Your personal information may be collected, used, processed, stored, or disclosed in various locations, potentially subject to different legal frameworks.
We may also share your personal information in response to legal requests or proceedings, to protect our rights and assets, or in emergency situations. Additionally, your personal information may be disclosed during business transformations, such as mergers or acquisitions, subject to appropriate agreements or obligations.
Furthermore, we may share your personal information with third parties for various purposes, including data storage, technology services, legal compliance, marketing, and advertising. We may also disclose de-identified personal information for system management and monitoring website usage.
By providing your personal information, you consent to its potential disclosure, transfer, or sale in connection with business transactions or legal obligations. However, we cannot guarantee the security of your information once it is shared with third parties.
Sharing with Service Providers:
We may share your Personal Information with third-party service providers to enhance and deliver the services provided to you. These Service Providers may assist us in various tasks, including outbound and/or inbound communications, data analysis, credit checks, marketing support, customer service provision, and event management. They may access your Personal Information solely to provide these services to us, and their usage of your data will be governed by confidentiality obligations.
We may store Personal Information in locations beyond our immediate control, such as servers or databases operated by hosting Service Providers. These Service Providers are selected based on their ability to maintain the security and confidentiality of your data.
Mandatory Disclosures:
Except as outlined in this Privacy Policy, we will not disclose your Personal Information to third parties unless legally required to do so. Legal obligations may include responding to court orders, subpoenas, or government requests, or taking action to enforce our terms of service, protect against legal liability, or safeguard our website’s security. We will strive to notify you of such requests unless prohibited by law or deemed ineffective or counterproductive.
Changes in Ownership:
Your Personal Information may be disclosed or transferred to another entity during business transformations such as mergers, acquisitions, or asset sales. In such cases, the receiving party will be bound by agreements or obligations to protect your Personal Information in accordance with this Privacy Policy, unless you provide alternative consent.
Disclosure of De-Identified Personal Information:
We may share De-Identified Personal Information with third parties for various purposes. This information, along with non-Personal Information, may be aggregated to assess website usage and improve user experience. De-Identified Personal Information or anonymous data may be shared with third parties for analysis or other purposes. By sharing De-Identified Personal Information, you consent to its potential use or transfer.
Your Consent to Disclosure/Transfer/Sale:
By providing us with your Personal Information, De-Identified Personal Information, and other supplied information, you consent to the potential disclosure, transfer, or sale of this data in connection with business transactions or legal proceedings. This includes mergers, acquisitions, bankruptcies, or other situations where our assets are transferred or sold. We cannot guarantee the security of your information once it is disclosed to third parties, and we are not responsible for security breaches or actions taken by these parties.
Overall, our handling of Personal Information is governed by legal requirements, contractual obligations, and our commitment to protecting your privacy to the best of our abilities.
Data Transfer/Access Outside of the United States:
Our company operates from both Canada and the United States. Any Personal Information collected by us or our service providers may be stored and processed on servers located within or outside the United States, as well as in facilities worldwide where we and our service providers operate. This means that your information may be accessible to individuals or entities outside the United States who are involved in providing services for us. While this may involve jurisdictions with different data protection standards than your home jurisdiction, we take reasonable measures to ensure that your Personal Information receives adequate protection in the jurisdictions where it is processed.
Security:
We have implemented various safeguards to protect your Personal Information against unauthorized access, loss, alteration, or disclosure. Your information is stored behind secure networks and firewalls and is only accessible to authorized personnel and a limited number of Service Providers with special access privileges who are bound to maintain its confidentiality. We regularly conduct security scans on our website to identify and address potential vulnerabilities, ensuring a secure browsing experience.
Any payment transactions you make are handled through third-party payment processors that employ appropriate security protocols to protect your information. We do not collect or store complete credit card numbers.
Our agents, contractors, service providers, and partners who need access to your Personal Information to fulfill services on our or your behalf are also required to maintain its confidentiality in accordance with this Privacy Policy. They are prohibited from disclosing the information to external parties or using it for any purpose other than providing the agreed-upon services.
The security of your information also depends on your actions. It’s important to maintain good internet security practices, including keeping your password confidential, logging out after using your account, and promptly updating your account credentials if your email or social media accounts are compromised.
Data Retention:
We retain your Personal Information for as long as necessary for the purposes for which it was collected and in accordance with applicable laws and our records retention policy. After this period, we will securely dispose of or anonymize your information. Even after you deactivate your account, we may retain certain information for legitimate business purposes, legal obligations, or internal reporting requirements.
Your Consent is Important to Us:
We only collect, use, and disclose your Personal Information with your consent, which may be expressed, implied, or deemed depending on the circumstances. We typically obtain your consent at the time of collection, but we may also seek it after collection if we intend to use or disclose your information for a purpose not previously specified.
Choice/Opt-Out:
You have the right to modify or withdraw your consent at any time, subject to legal or contractual obligations. You can contact our Privacy Officer to exercise this right. However, withdrawing your consent may affect our ability to provide certain products or services to you.
How is Your Personal Information Protected?
We employ physical, technical, and procedural measures to safeguard your Personal Information against unauthorized access, use, or disclosure. If you become aware of any incident involving the loss or unauthorized access to your information, please notify our Privacy Officer immediately.
Updating Your Personal Information:
It’s important to keep your information accurate and up-to-date. If your Personal Information changes, please notify our Customer Care department. If you encounter any difficulties, you can contact our Privacy Officer for assistance.
Access to Your Personal Information:
You have the right to request access to your Personal Information. To do so, please contact our Customer Care department. If necessary, our Privacy Officer can assist you with your request. Please note that we may require additional information to confirm your identity before providing access to your information.
NOTICE TO CALIFORNIA RESIDENTS:
Under the California Consumer Privacy Act (CCPA), California residents have certain privacy rights, including the right to access, delete, and opt-out of the sale of their Personal Information. You can exercise these rights by contacting us using the provided contact information.
Privacy Rights Notice For Nevada Residents Only:
Nevada residents have the right to opt-out of the sale of their Personal Information. To exercise this right, please contact us using the provided contact information.
Notices; Opting Out:
By providing us with your email address, you consent to receive Service-related notices via email. You can opt out of receiving other email communications by contacting us or using the unsubscribe link in our emails.
Inquiries or Concerns?
If you have any questions or concerns about our Privacy Policy or the management of your Personal Information, please contact our Customer Care department or Privacy Officer.
Revisions to this Privacy Policy:
We may update this Privacy Policy from time to time. Any changes will be reflected in the revised version posted on our website. Your continued use of our services indicates your acceptance of the updated Privacy Policy.
Interpretation of this Privacy Policy:
This Privacy Policy provides examples but is not limited to them. The term “including” is used broadly and encompasses a wider scope than the examples provided.
Interpretation of this Privacy Policy:
This Privacy Policy provides examples but is not limited to them. The term “including” is used broadly and encompasses a wider scope than the examples provided.
Contact Information:
If you have any questions about our Privacy Policy, you can contact us at:
Email: Support@clearloans.us
Revisions to this Privacy Policy:
We may update and modify this Privacy Policy periodically. Any changes will be reflected in the revised version posted on our clearloans.us website, and they will become effective immediately upon posting. To stay informed about any modifications, it is your responsibility to regularly check our website. Your continued use of our services following any changes signifies your acceptance of the updated Privacy Policy.
Interpretation of this Privacy Policy:
This Privacy Policy provides examples but is not limited to them. The term “including” is used broadly and encompasses a wider scope than the examples provided.